I completely understand that a majority have a big learning curve ahead of them. I am just not a fan of corporations and laws targeting the lowest common denom

I completely understand that a majority have a big learning curve ahead of them. I am just not a fan of corporations and laws targeting the lowest common denominator. I should have the ability to consent to making these decisions myself, assuming I am willing to take the risks. I would even be fine with getting a government issued certification that verifies I am educated enough to make an informed decision.